Contingent Liability coverage provides a layer of protection by providing defense to the Motor Carrier when a qualified Independent Contractor attempts to collect Workers’ Compensation benefits as an employee.
We have the right and duty to provide legal defense of the Motor Carrier(s) listed as Named Insured against these claims.
Should the driver be deemed an employee, we will provide benefits equivalent to those payable under the Workers’ Compensation statutes and Employers Liability law.
Contingent Liability Insurance is not a substitute for Workers’ Compensation insurance, and it will not satisfy compliance requirements for an employer to purchase a Workers’ Compensation policy. Motor Carriers must sponsor a Great American Occupational Accident program to be eligible for Contingent Liability.
*Coverage is underwritten by Great American E&S Insurance Company.